as i walked around the parking lot of the fire department in port monmouth in one of the days soon after sandy had laid waste to so much of our state, i saw so many of the scenes that i had come to expect in the aftermath of the storm -- neighbors helping neighbors, food being prepared for the hungry, first responders helping the homeless. then i met 9-year-old ginjer. having a 9-year-old girl myself, her height and manner of speaking was immediately familiar and evocative. having confronted so many crying adults at that point i felt ready to deal with anything. then ginjer looked at me, began to cry and told me she was scared. she told me she had lost everything -- she had lost her home and her belongings. she asked me to help her. as my eyes filled with tears, i took a deep breath and thought about what i would say to my bridget if she said the same thing to me, face, eyes. i asked her where her mom was and she pointed right behind her. i asked her if her dad was ok. she told me he was. so i told ginjer, you haven't lost your home, you've just lost a house, a house we can replace. your